Term Life Insurance | Life Insurance Quotes

Term Life is one of the simplest, most cost-effective types of life insurance. Generally, it provides the largest immediate amount of protection for the lowest cost. With Term Life, your beneficiaries are paid the entire amount of your policy (subject to your policy’s provisions) if you die during the term, which is typically from five to 30 years.

People who purchase Term Life generally have a substantial need for insurance protection during a specific period of time. They may be young and have growing families and need temporary protection now, with the option to convert to permanent coverage later.

Group Life insurance is typically offered as an employee benefit. Premiums under group policies are generally lower for younger employees, and higher for older ones. In addition to employers, some membership organizations such as unions and alumni clubs also offer Group Life insurance plans.